If you neglect to exercise because you don't have time or lack the money to pay for a gym membership, stop making excuses. Although insufficient time and money can be considered to be disadvantage, they don't have to be. If you're cramped for time, you can split up your workout into two or three sessions over the day to better fit your schedule, or you can exercise at a vigorous intensity and cut your workout in half. As for money, you can exercise right at home or outside. Go for a brisk walk through the mall or park or walk up and down a staircase. Small lifestyle changes can have a big impact.